Southern Bancorp Bank
Southern Bancorp Bank reported total assets of $3.0 bn at Q2 2026, up 9.1% on a year earlier, the 419th largest of 497 banks in our US coverage. Southern Bancorp Bank uses the community bank leverage ratio framework, with a leverage ratio of 11.85%, and the uninsured share of Southern Bancorp Bank was 39.23%. Source: FDIC Call Reports.
Key takeaways
- On uninsured share of domestic deposits, Southern Bancorp Bank climbed from 265th to 198th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , Southern Bancorp Bank has taken over 3 institutions; the latest was PREMIER BANK OF ARKANSAS on (FDIC Call Reports).
What sets Southern Bancorp Bank apart
How large is Southern Bancorp Bank?
The balance sheet of Southern Bancorp Bank at : assets $3.0 bn, deposits $2.3 bn, net loans $2.0 bn (loans equal to 83.81% of deposits). Securities make up 18.6% of total assets at Southern Bancorp Bank. Since , when Southern Bancorp Bank held $1.1 bn, its assets grew 163.2%. In the year to , deposits at Southern Bancorp Bank rose 10.0% while its total assets rose 9.1%. At , Southern Bancorp Bank employed 564 full-time equivalent staff across 57 offices, about $5.3 mn of assets per employee and $41.0 mn of deposits per office.
How much funding at Southern Bancorp Bank is uninsured?
At Southern Bancorp Bank, uninsured deposits (above the FDIC limit) made up 39.23% of domestic deposits at (+5.69 pp on a year earlier); Southern Bancorp Bank ranks 198th of 500 on this measure. In dollars, Southern Bancorp Bank estimated $916.7 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.3 bn | +10.0% | 453rd of 499 |
| Net loans and leases | $2.0 bn | +9.0% | 447th of 500 |
| Loan-to-deposit ratio | 83.81% | -0.81 pp | 295th of 500 |
| Net interest margin | 3.64% | +0.01 pp | 252nd of 500 |
| Return on assets (ROA) | 0.89% | +0.18 pp | 421st of 500 |
| Efficiency ratio | 70.64% | -7.28 pp | 438th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $80.4 mn | Narrowed by $23.3 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $39.7 mn | Narrowed by $8.6 mn | |
| Noncurrent loans to total loans | 1.42% | +0.44 pp | 416th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.12% | -0.04 pp | 282nd of 500 (1 = lowest) |
US rank of Southern Bancorp Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Southern Bancorp Bank: assets, deposits and loans
- Total assets $3.0bn
- Deposits $2.3bn
- Net loans $2.0bn
Capital and securities
Southern Bancorp Bank uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 11.85% in . Equity capital of Southern Bancorp Bank at : $375.5 mn, or 12.5% of total assets.
On held-to-maturity securities, Southern Bancorp Bank carried an unrealized loss of $80.4 mn at , equal to 21.4% of equity capital. The loss narrowed by $23.3 mn over the year. Its deepest point: $109.6 mn in . The available-for-sale portfolio of Southern Bancorp Bank showed an unrealized loss of $39.7 mn at ; the loss narrowed by $8.6 mn over the year.
Southern Bancorp Bank: capital ratios
- Total capital 20%
- CET1 19%
- Tier 1 leverage 12%
Southern Bancorp Bank: unrealized securities gains and losses
- Available for sale -$40mn
- Held to maturity -$80mn
Profitability and loan quality
For the year to , Southern Bancorp Bank earned a return on equity of 6.80%; return on assets: 0.89%. Net interest margin at Southern Bancorp Bank: 3.64%, +0.01 pp in a year. Southern Bancorp Bank net income: $12.8 mn, up 28.8% year on year. The efficiency ratio of Southern Bancorp Bank was 70.64%: about 71 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 1.42% of total loans at Southern Bancorp Bank; net charge-offs: 0.12% of average loans. Gross loans and leases at Southern Bancorp Bank: $2.0 bn, up 9.0% in a year.
Southern Bancorp Bank: profitability
- Return on equity 6.8%
- Net interest margin 3.6%
- Return on assets 0.9%
Peer group of Southern Bancorp Bank
The peer group of Southern Bancorp Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Southern Bancorp Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Arkansas. Against them, Southern Bancorp Bank shows return on equity 6.80% against a peer median of 11.04% and uninsured deposit share 39.23% against a peer median of 36.11%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Mascoma Bank | State member bank | NH | $3.0 bn | 12.01% | 5.86% | 13.60% | |
| The Bank of Tampa | State nonmember bank | FL | $3.0 bn | 14.52% | 13.05% | 53.42% | |
| U. S. Century Bank | State nonmember bank | FL | $3.0 bn | 12.48% | 16.79% | 54.26% | |
| Southern Bancorp Bank | State member bank | AR | $3.0 bn | not reported | 6.80% | 39.23% | |
| Northwest Bank | State nonmember bank | IA | $3.0 bn | 11.19% | 13.67% | 28.80% | |
| Nelnet Bank | State nonmember bank | UT | $3.0 bn | not reported | 8.48% | 1.63% | |
| Susser Bank | State member bank | TX | $3.0 bn | 11.65% | 9.03% | 43.42% | |
. FDIC Call Reports.
Last eight quarters
Two years at Southern Bancorp Bank, to : assets +10.0%, deposits +11.2%, equity +4.4%. Staff 509 to 564; offices 58 to 57.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.7 bn | $2.8 bn | $2.8 bn | $2.8 bn | $2.7 bn | $2.8 bn | $2.8 bn | $3.0 bn |
| Total deposits | $2.1 bn | $2.1 bn | $2.1 bn | $2.1 bn | $2.1 bn | $2.1 bn | $2.2 bn | $2.3 bn |
| Bank equity capital | $359.8 mn | $357.3 mn | $364.9 mn | $368.5 mn | $379.7 mn | $387.7 mn | $366.8 mn | $375.5 mn |
| CET1 ratio | 19.42% | 18.33% | 18.96% | 18.45% | 18.58% | not reported | not reported | not reported |
| Return on equity (ROE) | 6.13% | 6.12% | 5.71% | 5.47% | 5.97% | 6.07% | 6.06% | 6.80% |
| Uninsured share of domestic deposits | 31.94% | 34.05% | 32.77% | 33.54% | 33.81% | 34.43% | 35.11% | 39.23% |
| Full-time equivalent employees | 509 | 499 | 500 | 514 | 528 | 519 | 507 | 564 |
| Number of offices | 58 | 58 | 57 | 57 | 57 | 57 | 57 | 57 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Southern Bancorp Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Farmers Bank (FDIC certificate 15810).
- . Absorbed Arkansas County Bank (FDIC certificate 3858).
- . Absorbed PREMIER BANK OF ARKANSAS (FDIC certificate 34887).
Questions and identifiers
What were the total assets of Southern Bancorp Bank?
Southern Bancorp Bank reported $3.0 bn at in its Call Report. That makes Southern Bancorp Bank the 419th largest of 497 banks in our US coverage.
Is Southern Bancorp Bank the same as its holding company?
No. This page covers Southern Bancorp Bank, FDIC certificate 1528; SOUTHERN BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Southern Bancorp Bank profitable?
Southern Bancorp Bank reported net income of $12.8 mn for the year to ; annualized return on equity: 6.80%. So yes: Southern Bancorp Bank made a profit over these months.
When is data for Southern Bancorp Bank next updated?
Figures from Southern Bancorp Bank for are due after .
Where can I check the figures for Southern Bancorp Bank?
In the FDIC BankFind Suite record for certificate 1528, and in the Call Reports of Southern Bancorp Bank (RSSD ID 852544) at the FFIEC Central Data Repository.